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Gun shop owners across the country are seeing good business the past couple of years. Gun sales are reaching record levels and they continue to rise. However, there are many risks associated with owning a business such as a gun shop. Accidents, incidents, and claims are bound to happen so the best protection you can have is liability insurance. Fortunately, XINSURANCE is here to help gun shop owners and provide gun shop insurance solutions!

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can fill the gaps and cover the exclusions in your existing insurance policy that other insurance companies can’t or won’t provide. Whatever you need, we can help to find the best insurance solution for you!

gun shop insurance
gun shop insurance


Who Should Have 'Gun Shop Insurance'?

XINSURANCE provides customized liability insurance solutions for businesses and individuals in the United States. We can help the following:

  • Gun and Ammunition Stores
  • Gun and Ammo Manufacturers
  • Gun and Ammo Suppliers
  • Gunsmiths
  • And more!

What Coverages Are Available with Gun Store Insurance?

We have an all-in-one approach for gun store insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Active shooter liability: Liability protection in the event of an active shooting taking place at company property.
  • Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
  • Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Communicable disease liability: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Customization and repairs: Liability coverage for gun shops that offer customized weapons as well as gun repairs.
  • Directors and officers (D&O): Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Firearms liability (available in most states): Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use.
  • Firearms transport liability: Coverage for the transfer of firearms for business purposes.
  • Individual/Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
  • Professional liability: Coverage for claims regarding negligent acts and more.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
  • Tru Umbrella: Additional coverage to fill the gaps and exclusions in your existing policy.
  • Weapons coverage: Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
  • And more: We provide customized coverage so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

Lawsuits and Claims Involving Gun Shops

Every person and every business is at risk of a lawsuit. In today’s world, gun shops need to make sure they are properly covered with customized liability insurance. Rest assured, should an incident, accident, or lawsuit occur at your gun shop, XINSURANCE’s in-house team of claims specialists and risk management experts are here to help you every step of the way.

Below are some examples of recent lawsuits involving gun shops.

  • The Chicago Tribune reported that “the city of Chicago on Monday sued a northwest Indiana gun store alleging it has sold hundreds of guns to straw buyers that wound up in the hands of felons or at crime scenes in the city.”
  • A gun shop in Mason, Michigan was sued over a murder-suicide that happened with one of its guns. News channel WILX reports that a 30-year-old male took a gun from a gun shop over to Joann Fabrics and killed his ex-girlfriend and then committed suicide. “The lawsuit is seeking at least $25,000 for funeral and burial expenses, pain and suffering, loss of Duncan’s earnings and financial support. The next step is for the defendants to respond.”
  • Not so much a specific lawsuit but California proposed a bill that would let shooting victims sue firearm manufacturers and sellers.
    • Times are changing. Gun shops used to be immune to lawsuits under a federal law in 2005. Nowadays, gun shops are becoming vulnerable to litigation.


XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide Tru Umbrella coverage.

Why Should You Choose XINSURANCE for Gun Store Insurance?

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

How To Get A Gun Shop Insurance Quote

Get your free gun shop insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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